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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,295 | $56,063+39.7% | $76,051+3.0% | $80,911-3.2% |
| Participation rate | 45.0% | 62.0%-17.0pp | 69.1%-24.1pp | 67.6%-22.6pp |
| Annual return | 7.93% | 20.54%-12.6pp | 360.42%-352.5pp | 35.63%-27.7pp |
| Employer contribution / active EE | $995 | $1,874-46.9% | $2,690-63.0% | $2,756-63.9% |
| Participant deferral / active EE | $2,983 | $3,052-2.3% | $4,257-29.9% | $4,297-30.6% |
| Admin fee / account holder | $3,276 | $5,240-37.5% | $6,416-48.9% | $6,935-52.8% |